02 November

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No. 2 – My spouse is working. Will their income affect whether I’m entitled to Social Security Disability benefits?

If you're applying for SSI disability benefits and your spouse works, this may prevent you from getting SSI. If you get SSI, the amount earned by your spouse can potentially reduce the amount of your check. However, if you're applying for Social Security Disability benefits (SSDI), then your spouse's earnings have no effect on your claim. It won't impact your eligibility to apply for disability benefits, to get disability benefits or have any impact on the amount of your benefits. Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney...

02 November

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Dental disability insurance is essential.

Posted by Nancy Cavey

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If you become disabled and are unable to work, dental disability insurance is essential to help you maintain your current practice. According to a recent survey, nearly half of one million people who filed for bankruptcy in the United States did so because of an illness or an injury. If you're involved in a car accident, suffered a sports injury, or have any other painful condition, you may be unable to continue your practice and be forced to close or even sell your practice. It's essential that you find a disability plan that meets your occupational needs. Determining which policy is...

01 November

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What is an ERISA Disability Attorney?

Posted by Nancy Cavey

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Most Long Term Disability policyholders have bought their Long Term Disability policy through their employer. The employer Retirement Income Security Act usually governs these types of policies unless it is church based or municipal plant based. The ERISA law, unfortunately, is a maze for the uninitiated. You can submit your initial application for benefits together with supporting documentation including medical records. Most people naively expect that the Long Term Disability carrier will immediately begin the payment of benefits because, after all, their treating physician has said they are unable to work. Unfortunately, the reality is...

01 November

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Do My Doctor’s Records Make A Big Difference?

Posted by Nancy Cavey

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Insurance companies have a good ol’ boy network of doctors that cherry pick your doctor's medical records in favor of the disability insurance company. This good old boy network reports only what the disability insurance company wants to hear to the disability carrier such as Liberty Mutual, Reliance, MetLife, Hartford or CIGNA deny your Long Term Disability claim. Your doctor's records do make a big difference in the insurance company review process. Tampa Bay disability attorney Nancy Cavey has an educational video explaining to you why your doctor's records make a big difference. www.youtube.com/watch?v=RBXKN9jWCGc...

01 November

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What Percentage of My Income Should My Long Term Disability Policy Cost On an Annual Basis?

Posted by Nancy Cavey

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What Percentage of My Income Should My Long Term Disability Policy Cost On an Annual Basis? Long Term Disability policy premiums will depend on your age, gender, health history and your occupation. An important factor is the policy elimination period which is a specific length of time that you would go without getting benefits. People usually choose a ninety-day period of time to go without benefits at the onset of their disability. When that time is up, the company starts paying you benefits. The longer your elimination period, the cheaper your premium. I’ve seen it...

01 November

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Is the Definition of Disability Important In a Disability Policy?

Posted by Nancy Cavey

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Is the Definition of Disability Important In a Disability Policy? Absolutely. Most disability policies will provide a payment of two years of benefits if you are unable to engage in your own occupation. However, Long Term Disability carriers will fudge on the definition of disability. You need to make sure that you understand what your own occupation means.It can mean an inability to engage in the material and substantial duties of your own occupation as performed in the national economy or inability to engage in material and substantial duties in your own occupation as performed by...

01 November

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Do I Really Need a Private Disability Insurance Policy If I Have a Policy Through Work?

Posted by Nancy Cavey

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Do I Really Need a Private Disability Insurance Policy If I Have a Policy Through Work? ERISA Long Term Disability lawyer Nancy Cavey says yes. Many disability insurance policies provided by your employer only provide you with 60% of your salary with a maximum of $5,000-$10,000 in benefits. However, these benefits are taxable and you will get less than the 60% that you are used to. Can you and your family survive on 60% or less of your current income? Probably not. Private disability insurance attorney Nancy Cavey suggests that you buy a supplemental private disability...

01 November

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Why Do Long Term Disability Companies Complain About Paying For Conditions Like Lupus, CFS, Fibromyalgia or Other Self-Reported Conditions?

Posted by Nancy Cavey

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Getting insurance companies to pay disability benefits for medical conditions like Lupus, CFS, or Fibromyalgia is tough. Long Term Disability insurance companies like UNUM Provident, UNUM Life, ETNA, Standard, Prudential, Hartford, CIGNA, C.N.A. Liberty Mutual, Paul Revere, Reliance, MetLife and others do not like paying for conditions like CFS, Lupus and Fibromyalgia. If you are a Long Term Disability applicant or your CFS, Lupus or Fibromyalgia claim has been denied you need to watch this video: http://www.youtube.com/watch?v=1jJ4abaQq570...

01 November

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Is there a medical treatment for Lupus for a short or long term disability?

Posted by Nancy Cavey

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Is there a medical treatment for Lupus for a short or long term disability? Yes, there has been a medical treatment that has shown progress against the condition of Lupus. An article by Dr. Michael Burnette outlines the drug that has shown this progress. The article can be found here....

01 November

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Do My Doctor Records Make a Big Difference?

Posted by Nancy Cavey

in Uncategorized

Insurance companies have a good ol’ boy network of doctors that cherry pick your doctors medical records in favor of the disability insurance company. This good ol’ boy network reports only what the disability insurance company wants to hear to the disability carrier such as Liberty Mutual, Reliance, MetLife, Hartford or CIGNA deny your Long Term Disability claim. Your doctor’s records do make a big difference in the insurance company review process. Tampa Bay disability attorney Nancy Cavey has an educational video explaining to you why your doctor’s records make a big difference.http://www.youtube.com/watch?v=RBXKN9jWCGc...